The Comprehensive Addiction and Recovery Act of 2016 was enacted to make treatment for substance abuse addiction more accessible. However, there is still a lot of confusion surrounding employer health coverage and the costs of these services.
So, is going to rehab covered by my employer’s health insurance coverage? Continue reading to learn everything that you may need to know about covering the cost of treatment for substance abuse.
Affordable Care Act
If your health insurance plan covers addiction treatment or mental health disorders, you will be able to use it for your rehabilitation costs.
Luckily, thanks to the Affordable Care Act, all health insurance plans must provide all types of essential healthcare. This includes addiction treatment via mental health disorders.
In general, if a health insurance plan covers the cost of addiction treatment, they won’t differentiate between the types of addiction. This means that they may include the cost of treatment for drug addiction and rehab programs.
The Process Recovery Center accepts most major health insurance plans.
Your employer’s health insurance coverage might extend to include inpatient and outpatient care. Medical detox and addiction maintenance medications are typically covered by these insurance plans. Behavioral health services and counseling are covered.
Your health insurance plan should spell out what is and isn’t covered in their contracts.
You can determine addiction treatment depending on the health insurance plan you have. Two of the more popular types of health insurance distributed by employers are HMOs and PPOs.
Health Maintenance Organization (HMO)
Your employer’s health insurance may be a Health Maintenance Organization. With an HMO, your primary care physician will have to refer you to a program.
With Health Maintenance Organizations, you would have to choose a rehab facility that is within your network. If you go outside of the network to seek treatment, you will have to pay all of the costs out-of-pocket.
Preferred Provider Organization (PPO)
A Preferred Provider Organization may not require you to get a referral from your primary doctor. PPOs are usually the health insurance plan that has a higher premium.
With a Preferred Provider Organization, you may go to a rehab facility that is outside of your plan’s network. However, that may require you to pay some amount out of pocket for the services.
Other Ways to Pay
If your insurance doesn’t cover all of the expenses involved in rehabilitation, there are other ways to pay for the remaining balance. Some rehab facilities have payment plans for those who might have good credit.
Fundraising and crowdfunding may help you raise enough money to pay off your treatment at a rehab facility. Personal loans can be a last-ditch effort to pay your way through the program.
Going to Rehab
Your health insurance through your employer may cover the cost of going to rehab. Check with your insurance provider to see if these services are in your health care plan.
If you or a loved one needs to go to rehab, The Process Recovery Center is waiting for your call.